The Wallet

Why do some people confidently invest while others avoid money conversations altogether?In this episode of The Wallet, Emilie Bellet speaks with behavioural finance expert, psychotherapist and King's College London senior lecturer Dr Ylva Baeckström about the hidden forces that shape our financial decisions.From childhood experiences and financial attachment styles to confidence, investing behaviour and gender stereotypes, this conversation explores why money is rarely just about numbers.Topics covered:How financial identity is formedWhy many people avoid money conversationsThe link between childhood experiences and money habitsWhy women often outperform men as investorsThe confidence gap in financeFemale financial advisers and investing behaviourAI, financial advice and the future of investingWhy the real risk may be not investing at allThe information shared is for educational purposes only and is not financial advice.AD |  This episode is sponsored by Wealthify.Wealthify makes investing simple by doing everything for you — from building your portfolio, to managing it on an on-going basis. Open your account at Wealthify.com.With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority.Connect with VestpodSign up to The Edit newsletter: https://www.vestpod.com/subscribe Courses and bootcamps: https://www.vestpod.com/courses Follow on Instagram: https://www.instagram.com/vestpod Emilie’s book: You’re Not Broke, You’re Pre-Rich

AD | This episode is sponsored by Wealthify. Most people think investing is about picking the right stocks. It is not. This week on The Wallet, Emilie Bellet (Vestpod) is joined by Jessie Kwok, Chief Investment Officer at Wealthify, to unpack what drives investment outcomes over time. They cover:Why asset allocation matters more than stock pickingHow to think about risk in a practical wayWhat shapes long-term portfolio performanceWhy staying invested is often the hardest partHow to build a portfolio you can stick to The information shared is for educational purposes only and is not financial advice. Wealthify makes investing simple by managing your investments for you. And if you deposit or transfer into their Stocks and Shares ISA, you could earn between £50 and £1,000 in cashback. Open your account at Wealthify.com. [OFFER REGISTRATION NOW CLOSED] T&Cs and minimum investments apply. Registration closes on 31st May 2026. Cashback varies by total investment amount. With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority. Connect with VestpodSign up to The Edit newsletter: https://www.vestpod.com/subscribeCourses and bootcamps: https://www.vestpod.com/coursesFollow on Instagram: https://www.instagram.com/vestpodEmilie’s book: You’re Not Broke, You’re Pre-Rich

Women are often told the path to success is straightforward: be confident, negotiate harder, lean in, speak up.But what happens when women do all of those things and still do not receive the same outcomes?This week on The Wallet, Emilie Bellet (Vestpod) speaks with Stefanie O’Connell about ambition, work, money, and the hidden costs many women still face professionally and personally.They discuss:why negotiation advice alone is not enoughthe backlash women can face when expressing ambitionburnout, invisible labour, and emotional loadhow inequality is reinforced through systems and expectationswhat financial independence and success can really look like for women todayThe information shared is for educational purposes only and is not financial advice.AD | This episode is sponsored by Wealthify.Wealthify makes investing simple by managing your investments for you. And if you deposit or transfer into their Stocks and Shares ISA, you could earn between £50 and £1,000 in cashback. [OFFER REGISTRATION NOW CLOSED]Open your account at Wealthify.com. T&Cs and minimum investments apply. Registration closes on 31st May 2026. Cashback varies by total investment amount. With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority.ResourcesOrder The Ambition PenaltyWebsite: Too AmbitiousInstagram: @stefanieoconnellLinkedIn: Stefanie O’ConnellConnect with VestpodSign up to The Edit newsletter: https://www.vestpod.com/subscribeCourses and bootcamps: https://www.vestpod.com/coursesFollow on Instagram: https://www.instagram.com/vestpodEmilie’s book: You’re Not Broke, You’re Pre-Rich

When money feels hard, it is often the system, not you.This week on The Wallet, Emilie Bellet (Vestpod) is joined by Krystle McGilvery, behavioural finance expert and Chartered Accountant, to unpack why traditional money advice fails so many people, especially those who are neurodivergent.They cover:Why financial avoidance is often a form of protectionHow time blindness impacts spending and planningThe link between impulse spending and frictionless paymentsWhy “discipline” is the wrong framework for moneyWhat a system that actually works for your brain looks likeThe information shared is for educational purposes only and is not financial advice.ResourcesConnect with Krystle via Krystle McGilvery and NeuroFinance OSInstagram: @krystle_mcgilveryLinkedIn: Krystle McGilveryAD | This episode is sponsored by Wealthify.Wealthify makes investing simple by managing your investments for you. And if you deposit or transfer into their Stocks and Shares ISA, you could earn between £50 and £1,000 in cashback. [OFFER REGISTRATION NOW CLOSED]Open your account at Wealthify.com. T&Cs and minimum investments apply. Registration closes on 31st May 2026. Cashback varies by total investment amount. With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority.Connect with Vestpod:Sign up to The Edit newsletter: https://www.vestpod.com/subscribeCourses and bootcamps: https://www.vestpod.com/coursesFollow on Instagram: https://www.instagram.com/vestpodEmilie’s book: You’re Not Broke, You’re Pre-Rich

High income, low progress: the hidden leak in your finances.This week on The Wallet, Emilie Bellet (Vestpod) sits down with Philly Ponniah to unpack the gap between earning and actually building wealth.They cover:Why money still disappears at £100K+The lifestyle creep you don’t noticeThe belief that quietly blocks investingThe UK’s £100K childcare tax trapWhat a real financial system looks likeThe information shared is for educational purposes only and is not financial advice.AD | This episode is sponsored by Wealthify.Wealthify makes investing simple by managing your investments for you. And if you deposit or transfer into their Stocks and Shares ISA, you could earn between £50 and £1,000 in cashback. [OFFER REGISTRATION NOW CLOSED]Open your account at Wealthify.com. T&Cs and minimum investments apply. Registration closes on 31st May 2026. Cashback varies by total investment amount. With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority.ResourcesConnect with Philly at Philly FinancialInstagram: @phillyfinancialLinkedIn: PhillyConnect with VestpodSign up to The Edit newsletter: https://www.vestpod.com/subscribeCourses and bootcamps: https://www.vestpod.com/coursesFollow on Instagram: https://www.instagram.com/vestpodEmilie’s book: You’re Not Broke, You’re Pre-RichThe information shared is for educational purposes only and is not financial advice.

Why does building wealth feel complicated, slow, or out of reach, even when you are earning and doing “the right things”?In this episode of The Wallet, Emilie Bellet (Vestpod) is joined by Mary and Ken Okoroafor, founders of The Humble Penny and authors of The Wealth Habit. Together, we unpack why wealth is less about income and more about habits, identity, and systems, and how small, consistent actions can create long-term financial security.We discuss:Why wealth starts with habits, not incomeThe identity shift required to become a wealth builderThe systems that matter most, including paying yourself firstWhy mindset without action leads to “analysis paralysis”How emotional spending happens, and how to add frictionThe £1 shift and how to start earning beyond your main incomeThe trade-offs required to build long-term wealthAD | This episode is sponsored by Wealthify.Wealthify makes investing simple by managing your investments for you. And if you deposit or transfer into their Stocks and Shares ISA, you could earn between £50 and £1,000 in cashback. [OFFER REGISTRATION NOW CLOSED]Open your account at Wealthify.com. T&Cs and minimum investments apply. Registration closes on 31st May 2026. Cashback varies by total investment amount. With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority.ResourcesMary & Ken's new book: The Wealth HabitThe Humble Penny WebsiteInstagram @thehumblepenny and @financialjoyacademyConnect with VestpodSign up to The Edit newsletter: https://www.vestpod.com/subscribeCourses and bootcamps: https://www.vestpod.com/coursesFollow on Instagram: https://www.instagram.com/vestpodEmilie’s book: You’re Not Broke, You’re Pre-RichThe information shared is for educational purposes only and is not financial advice.